今日起，下调利率！

Core Viewpoint - Starting from January 1, 2026, the interest rates for existing housing provident fund loans and commercial loans will be reduced simultaneously, impacting borrowers significantly [1]. Group 1: Housing Provident Fund Loan Adjustments - The interest rate for new housing provident fund loans will be reduced by 0.25 percentage points starting from May 8, 2025, with specific rates adjusted for first and second homes [1]. - For first-time homebuyers, the interest rate for loans with a term of 5 years or less will decrease from 2.35% to 2.1%, and for loans over 5 years, it will drop from 2.85% to 2.6% [2][3]. - For second homes, the interest rate for loans with a term of 5 years or less will decrease from 2.775% to 2.525%, and for loans over 5 years, it will drop from 3.325% to 3.075% [2][3]. Group 2: Financial Impact on Borrowers - A typical family borrowing 1.2 million yuan over 30 years will save approximately 57,100.85 yuan in interest for a first home and 59,070.01 yuan for a second home due to the rate adjustments [3]. - A family with multiple children borrowing 1.56 million yuan over 30 years will save about 74,229.62 yuan in interest for a first home and 76,789.24 yuan for a second home [3]. Group 3: Commercial Loan Adjustments - In May 2025, the LPR was adjusted, with the 1-year LPR at 3.0% and the 5-year LPR at 3.5%, both down by 10 basis points from the previous period [3]. - For first-time homebuyers with LPR-30BP loans, the new loan rate will be adjusted to 3.2%, while those with LPR-45BP loans will see their rates drop to 3.05% [4]. - Starting November 1, 2024, a new pricing mechanism for commercial housing loans will allow borrowers to adjust their repricing cycle to 3 months, 6 months, or 1 year [4].